In this Real Estate News Brief for the week ending October 1st, 2022... what's up with the GDP, inflation and jobs, why rent growth is slowing, and a new law for California job seekers.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic News We have plenty of economic news to report, but first, a few words about Hurricane Ian which has ripped across Florida and South Carolina. Our hearts go out to the families and communities who have been affected. Ian was one of the strongest hurricanes to hit the U.S. and serves as a reminder for homeowners with a high-risk of flooding to check their insurance coverage. (1) Flood insurance is getting more expensive, but it's better than coming up short after a big hurricane. According to ValuePenguin, the average cost of flood insurance from the National Flood Insurance Program is $985 a year. (2) The government's latest revision on the GDP shows the economy shrank .6% during the first half of the year. That's the same as the previous estimate, but as CNBC reports, there's still a lot of disagreement on whether the nation experienced or is experiencing a recession. It's widely believed that two quarters of negative growth defines a recession, but there are other factors to consider in today's environment that don't support that. The strong job market is one of them. With unemployment around 3.7%, some economists believe the economy is expanding. And many are predicting growth in the third quarter. There's also concern that the economy could falter next year, as the Fed continues raising rates to control inflation. (3) And that's a big problem. The so-called personal consumption index for August shows a .3% rise in prices. Without food and gas, the core rate was .6% higher. That shows that inflation is still running hot and brings the annual rate of inflation for the PCE from 4.7% to 4.9%. That's still lower than a 40-year high of 5.3% in February. (4) The Federal Reserve believes the PCE reading on inflation is more accurate than the CPI.Last week's jobless report shows that initial claims dropped to their lowest level in five months. Benefit applications were down to 193,000. The number of people already collecting unemployment benefits also dropped. The total is about 1.35 million. (5)August was a good month for new home sales. The Commerce Department reports a 28.8% surge to a seasonally-adjusted annual rate of 685,000 homes. As reported by MarketWatch, that's the second-biggest month-to-month jump in new home sales ever. It's also a big reversal from July, when new home sales were down 8.6%, and full-year sales are expected to be down as much as 20%. Some economists attribute the August surge to home buyers rushing to get into a new home before mortgage rates rise any further. (6) Existing home sales went in the other direction. The National Association of Realtors says that pending home sales were down 2% in August. Pending home sales only indicate the likelihood of a sale. NAR is expecting existing home sales for the entire year to fall 15.2%. But NAR's chief economist, Lawrence Yun, expects more home sale activity in 2023. (7)Home price growth is slowing down as mortgage rates get close to the 7% mark. The S&P CoreLogic Case-Shiller 20-city index was down .4% in July. That brings the annual rate of home price growth down from 18.7% to 16.1%. The national home price index was also down by a smaller .2%. The decline is reportedly the fastest decline in home price growth in the history of this index, and the first time that home price growth has gone down since February of 2012. (8)(9)Mortgage Rates Mortgage rates continue to rise. Freddie Mac says the average 30-year fixed-rate mortgage was 41 basis points higher last week, for an average of 6.7%. The 15-year was up 52 points, to 5.96%. Freddie also says there's a wide range of weekly rate quotes, so it's important to shop around if you're looking for a home loan. (10) In other news making headlines...Asking Rents Are Climbing Redfin reports that asking rents were up 11% year-over-year in August to a national median of $2,039 a month. That's a record high, but it also represents a slow-down in rent growth. Rent growth peaked in March with an annual gain of 19%. (11) Redfin economists expect the slow-down to continue as a result of a slower economy, and a boost in rental supply. As Redfin economist Taylor Marr points out: “There are nearly a million rental units under construction that will hit the market in the coming months and years.” But that's still far fewer than the nation needs to meet housing demands.California Job Ads to Include Salary InfoA new California law will make it easier for job applicants to know what they'll get paid. Governor Gavin Newsom just signed a salary transparency bill into law. It requires that job postings include pay ranges, and applies to businesses with 15 or more employees. A few other states have similar laws, but this makes California the largest state to require up-front salary information. The other states include Colorado which requires salary information in job ads, while Nevada, Connecticut, and Washington make salary information available to applicants.The California law could help build momentum for salary disclosures. One big benefit is the potential impact on the gender pay gap. Currently, California women get about 88 cents on the dollar compared to men. The law goes into effect on January first. (12)That's it for today. Check the show notes for links. If you want to keep up with real estate news, please subscribe to this podcast. You can also find out more about how to find and purchase rental properties at our website (newsforinvestor.com). Just hit the “Join for Free” button at the top of the page, for access to our Learning Center and our Investor Portal.And please remember to leave a review!Thank you! And thanks for listening. I'm Kathy Fettke.Links:1 - https://www.cnbc.com/2022/09/29/hurricane-ian-is-a-reminder-for-all-homeowners-to-check-insurance.html2 - https://www.valuepenguin.com/average-cost-flood-insurance3 - https://www.marketwatch.com/story/the-u-s-economy-shrank-in-the-first-half-of-2022-new-gdp-figures-confirm-11664455599?mod=economy-politics4 - https://www.marketwatch.com/story/coming-up-pce-inflation-and-consumer-spending-11664540119?mod=economic-report5 - https://www.marketwatch.com/story/jobless-claims-drop-to-lowest-level-since-april-11664455275?mod=economic-report6 - https://www.marketwatch.com/story/u-s-new-home-sales-surge-28-8-in-august-11664288396?mod=economic-report7 - https://www.marketwatch.com/story/leading-indicator-of-u-s-home-sales-weakens-for-third-straight-month-11664373896?mod=economic-report8 - https://www.marketwatch.com/story/u-s-home-price-growth-sees-a-forceful-deceleration-in-july-as-mortgage-rates-approach-7-11664283912?mod=mw_latestnews9 - https://www.cnbc.com/2022/09/27/july-sp-case-shiller-index-home-prices-cooled-at-the-fastest-rate-in-index-history.html10 - https://www.freddiemac.com/pmms11 - https://investors.redfin.com/news-events/press-releases/detail/797/redfin-reports-asking-rents-climb-11-in-august-the?utm_campaign=Email_Content-Market_Weekly-NL&utm_medium=email&_hsenc=p2ANqtz-8uU4JE0osTQmrJIhZ1eTuqPYvqqLs3zVxsGezp4dndm6REQdzKCgN3_A03IkwVBIWUOXe7xgnxtRGjluaXal135hESb8X_o4Zdkoi6oKisl5B3Lo4&_hsmi=227341139&utm_content=227341139&utm_source=hs_email&hsCtaTracking=5d5088c0-e0ba-4e31-8a1a-5792b988bb7a%7Cf4fd4504-781e-4e9d-b479-488e37deedce12 - https://www.cnbc.com/2022/09/28/california-pay-transparency-law-to-require-salary-ranges-on-job-postings.html
On today's episode, Editor in Chief Sarah Wheeler talks with Kenon Chen, executive vice president of corporate strategy at Clear Capital, about the 2022 Appraisal Survey from the National Association of Realtors. The survey results showed a large disconnect in how different sectors see appraisal challenges and solutions.HW Media Articles related to this episode:Appraisers voice opinions on AMCs, appraisal delaysHousingWire Daily examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team.
O Concello de Narón organiza unha nova edición, a segunda, das Xornadas Micolóxicas Concello de Narón que se celebrarán os días 13, 14 e 15 de outubro. Os interesados na tematica poden anotarse, de balde, e facelo a partir de hoxe na Biblioteca municipal –de 9.30 a 13.30 e de 16.00 a 21.00 horas de luns a venres e os sábados de 10.00 a 13.00- ou no teléfono 981 382 173. Hai un total de 30 prazas que se cubrirán por orde de inscrición.
Marián Ferreiro voltará a ser candidata por Terra Galega en 2023 a alcaldía de Narón o tempo que repasa alguns dons proxetos que están na sua ultima fase e que pretende complementar no seguinte mandato se conta co respaldo dos naroneses. Hoxe fai balance dos avances e tamen dos temas pendentes de arranxar no concello
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You want to increase your expenses. I reiterate why. All five ways that real estate pays are rarely surging at the same time. In the past year, appreciation has slowed, cash flow rose, principal paydown slowed, tax benefits are roughly the same, and inflation-profiting rose. How do you become a “laptop landlord” and know that you're buying a good property? I share my favorite resources for real estate due diligence (laptop landlording). They're all in the “Resources Mentioned” below. One mistake people make is that they tend to overgeneralize. They paint an entire city one color, saying something like: “I read that Memphis has high crime.” Well, where within Memphis? You can contract with an out-of-state stranger to check out a property for you at WeGoLook.com Aundrea Newbern, COO of GRE, MBA, NAR member (the woman with all the letters behind her name) joins me. She discusses her top real estate successes and failures. We discuss floods, old cast iron pipes, partnerships, single-family vs. multifamily, LTRs vs. STRs, and the opportunity cost of waiting to buy property. At times, if third-party inspectors see an issue, they refer you to specialists like foundation or mechanical inspectors. Resources mentioned: Show Notes: www.GetRichEducation.com/417 Due diligence resources: ATTOM Data Solutions, Redfin, CoreLogic, Zumper, Altos Research, John Burns RE Consulting, Neighborhood Scout, Google Street View, WeGoLook.com, bls.gov, US Census, FRED, GREmarketplace.com I'd be grateful if you search “how to leave an Apple Podcasts review” and do that for this show. Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com JWB's available Florida income property: www.jwbrealestate.com/gre or (904) 677-6777 To learn more about eQRPs: text “GRE” to 307-213-3475 or: eQRP.co Available Central Florida new-build income properties: www.b2rdirect.com Analyze your RE portfolio at (use code “GRE” for 10% off): MyPropertyStats.com Best Financial Education: GetRichEducation.com Get our free, wealth-building “Don't Quit Your Daydream Letter”: www.GetRichEducation.com/Letter Our YouTube Channel: www.youtube.com/c/GetRichEducation Top Properties & Providers: GREmarketplace.com Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold
Polícia, prokuratúra a celý rad svedkov opisujú skupinu okolo Norberta Bödöra ako organizovanú zločineckú skupinu. V dnešnej časti podcastu Mafiánsky štát sa budeme venovať spojeniu tejto skupiny s politickou stranou Smer-SD. Smer ich totiž stvoril a táto skupina oligarchov je prepojená priamo na najbližšiu rodinu Roberta Fica. Podcast si môžete vypočuť, ak sa registrujete ako používateľ služby Aktuality Navyše a zaplatíte 10 centov za prvý mesiac. Čím sa zaoberal Ladislav Fico a ako sa ocitol v spoločnom štátnom biznise s Bödorovcami? A ktorí ďalší politici Smeru sa s nitrianskym oligarchom dobre poznajú? Narátali sme 8 súčasných a viacerých bývalých poslancov tejto strany. Všetkých sme priamo a osobne konfrontovali. Ako Robert Fico a Smer tieto spojenia vysvetľujú? Počúvajte podcastovú sériu Mafiánsky štát. Toto je druhá epizóda prvej série o Bödörovcoch. Nová epizóda vychádza každú druhú nedeľu. Na výrobe sa podieľali: Matej Ohrablo, Valentína Rybárová a Adam Oleš. Napísal a moderuje Peter Hanák. Všetky epizódy tejto podcastovej série budú súčasťou nového bonusového balíčka Aktuality Navyše, ktorého cena je 3.99 na mesiac. K podcastu sa dostanete po prihlásení do svojho konta Aktuality Navyše na našom webe.
As we close out the third quarter of 2022 and head into the fourth quarter Jay & Tom wanted to share some info on mortgage rates. They discuss what Freddie Mac, Fannie Mae and NAR are forecasting about rates into the third quarter of 2023. If you are looking for a great home with acreage you will not want to miss the house of the week. It's a great home in Middletown situated on over 11 acres. See omnystudio.com/listener for privacy information.
"Em verdade, em verdade eu vos digo: vereis o céu aberto e os anjos de Deus subindo e descendo sobre o Filho do Homem." (Jo 1,51) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Qual é a missão dos anjos? - Prof. Felipe Aquino, canal Felipe Rinaldo Queiroz de Aquino, youtube: https://youtu.be/yR00j3SOYsc MÚSICA 1: Manda Teus Anjos - Wagner Santos, youtube: https://youtu.be/_NN8dPSNlmI Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: São Miguel - Irmã Kelly Patrícia, youtube: https://youtu.be/RBK5Zs3NS-s Catecismo da Igreja Católica, parágrafos 328, 329 e 330, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Anjo Guardião - Banda Canal da Graça, youtube: https://youtu.be/1V4WZcuDYiA Santo do Dia: 29 de setembro - Santos Arcanjos Miguel, Gabriel e Rafael, canal do Padre Alex Nogueira, youtube: https://youtu.be/pf0cn43NcCA MÚSICA 4: São Rafael Arcanjo - Comunidade Cidade Santa, youtube: https://youtu.be/94U2cykS__I Oração Final: Oração à Nossa Senhora dos Anjos, site A12, link: https://www.a12.com/redacaoa12/igreja/oracao-a-nossa-senhora-dos-anjos MÚSICA 5: MARIA E O ANJO, youtube: https://youtu.be/Qij9wgu6cKc #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
"Quem põe a mão no arado e olha para trás não está apto para o Reino de Deus." (Lc 9,62) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Quero ser curado - Pe. Léo, canal Canção Nova Play, youtube: https://youtu.be/EXzEDtQvrYE MÚSICA 1: Sonhos - Thiago Brado e Luciano Camargo, youtube: https://youtu.be/r4I8NMWUmjs Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Mestre Amigo - Comunidade Católica Shalom, youtube: https://youtu.be/jWxwD2-prvU Catecismo da Igreja Católica, parágrafos 922, 923 e 924, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Pureza e Humildade - Comunidade Católica Oferenda de Amor, youtube: https://youtu.be/7qIwK9-Detk Santo do Dia: 28 de setembro - São Venceslau, canal do Padre Alex Nogueira, youtube: https://youtu.be/2y8mn7GA2ck MÚSICA 4: Rei dos Céus - Comunidade Católica Shalom, youtube: https://youtu.be/AgDdGRt4JKw Oração Final: Laudes, site iBreviary, link: http://www.ibreviary.com/m2/breviario.php MÚSICA 5: Teu Mensageiro - Banda Dom, youtube: https://youtu.be/xZGXlnJmLf0 #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
"Estava chegando o tempo de Jesus ser levado para o céu. Então ele tomou a firme decisão de partir para Jerusalém." (Lc 9,51) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Quero ser curado - Pe. Léo, canal Canção Nova Play, youtube: https://youtu.be/EXzEDtQvrYE MÚSICA 1: A Cruz Sagrada - Anjos de Resgate, youtube: https://youtu.be/0WhPxL-Fpoo Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Determinada Decisão - Eliana Ribeiro feat. Thiago Brado, youtube: https://youtu.be/1b5-cOJWDFk Catecismo da Igreja Católica, parágrafos 920 e 921, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Deserto - Iahweh e Padre Fábio de Melo, youtube: https://youtu.be/-aGnn5I1cFM Santo do Dia: 27 de setembro - São Vicente de Paulo, canal do Padre Alex Nogueira, youtube: https://youtu.be/VxqPDMvGmhw MÚSICA 4: Balada da Caridade - Padre Reginaldo Manzotti, youtube: https://youtu.be/oYcBaf1Ix0c Oração Final: Laudes, site iBreviary, link: http://www.ibreviary.com/m2/breviario.php MÚSICA 5: Amar como Jesus amou - Padre Zezinho, scj feat. Sônia Mara, youtube: https://youtu.be/QIjoNJpdKTY #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
In this Real Estate News Brief for the week ending September 24th, 2022... the Fed's third big interest rate hike in a row, a record pile of uninvested cash, and the listing data that is changing house hunter choices.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week, and a big interest rate hike by the Fed. The central bank has been getting more aggressive about tackling inflation, and hiked the Federal Funds rate by another three-quarters of a point. Fed officials also plan to continue hiking the funds rate until inflation recedes to the 2% level. They began raising it in March from a near zero level, and have now brought it to a range of 3 to 3.25%. Higher rates will make adjustable-rate loans more expensive. It will also slow the economy down, and reduce hiring, although the job market is still showing a lot of strength. (1)Fed Chief Jerome Powell says it's not clear whether the money tightening process will lead to a recession or how significant it might be. But Fed officials do expect to see higher levels of unemployment. They expect the jobless rate to rise to 4.4% next year. That's .7% higher than it is now. (2) The latest weekly jobless report shows a slight rise in filings for the first time in five weeks. Initial claims were up 4,000 to 213,000, but that's still a low number. (3)Powell also talked about the need for a housing market correction. He says: “For the longer term, what we need is supply and demand to get better aligned, so house prices go up at a more reasonable pace and people can afford (to buy them).” But he doesn't expect that process to be easy or short-lived. Senior economist of the National Association of Realtors, Nadia Evangelou, says that many homeowners won't want to move because they have super low mortgage rates, and that will impact inventory which could push home prices even higher, instead of lower. (4)Meantime, builders are trying to attract more buyers with lower prices, and more new homes. The Commerce Department reports that overall housing starts were up 12.2% in August after a 10.8% decline in July. Starts were up 18.5% for apartments, and 3.5% for single-family homes. Permits were down 10%.Builder sentiment is also down, despite the increased activity. According to the National Association of Homebuilders, it fell to its lowest level in September since about 2014. It's the ninth month in a row that builder confidence has fallen. Rising mortgage rates and supply chain disruptions are builders' biggest concerns. (5)Existing home sales were down again in August. NAR says they fell .4% for the month to an annual rate of 4.8 million homes. That's the lowest number since May of 2020 when the pandemic shut everything down. Compared with last year, sales are down 19.9%. (6)Mortgage RatesMortgage rates remained above the 6% level thist last week. Freddie Mac says the average 30-year fixed-rate mortgage rose 27 basis points to 6.29%. The 15-year was up 23 points to 5.44%. (7) Mortgage rates have basically doubled since the beginning of the year, and even though they are low by historical standards, they have raised the monthly mortgage payment for a $400,000 loan from about $1,660 last year to about $2,470 this year. (8)In other news making headlines...Record Pile of Uninvested CapitalVenture capitalists are sitting on a record amount of uninvested capital. A report from Colliers shows that VC investors have about $290 billion dollars sitting on the sidelines, and that VC activity pulled back about 12% during the first half of this year. But it still remains higher than historical norms. (9) The Center for Real Estate Technology & Innovation says that during the first half of this year, 26% of venture capital investments went into real estate technology, or about $13 billion. But that leaves plenty of cash on the table for future investment.The Colliers analysis says: “There is no denying that VC investment is a key driver of commercial real estate demand. The states seeing the most VC dollars are California, New York, and Massachusetts.Homebuyers Paying Attention to New Flood-Risk DataNew flood-risk data on listings could steer house hunters away from flood-prone areas. Redfin just conducted a three-month study with 17.5 million users on how flood-risk data impacts the home buying process. It found that users who looked at homes with a severe or extreme flood risk ended up bidding on homes with a moderate risk of flooding. Users who didn't have that information were not impacted.(10)Redfin chief economist Daryl Fairweather says the information will help users make more informed choices. He says: “Some will opt to move out of risky areas altogether, while others will stay put but invest in making their homes more resilient to disaster.” The information could also lead to a decline in home values in flood-prone areas.Patagonia Founder Donates Company to Fight Climate ChangeClimate change is also on the mind of the man who founded the Patagonia outdoor clothing company. Yvon Chouinard (Shinard) announced that he is transferring 100% of the company's voting stock to Patagonia Purpose Trust. Profits that are not reinvested back into the company will be distributed as a dividend to the Holdfast Collective which is a nonprofit dedicated to fighting the environmental crisis. The annual payout is estimated at about $100 million. Chouinard is 83 years old. He said in a press release: “It's been a half-century since we began our experiment in responsible business. If we have any hope of a thriving planet 50 years from now, it demands all of us doing all we can with the resources we have.”That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/fed-approves-third-large-interest-rate-hike-and-signals-more-before-year-end-11663783628?mod=mw_latestnews2 -https://www.marketwatch.com/story/fed-will-tolerate-a-recession-and-5-other-things-we-learned-from-powells-presser-11663804117?mod=federal-reserve3 -https://www.marketwatch.com/story/jobless-claims-rise-to-213-000-but-still-show-strong-labor-market-and-few-layoffs-11663850686?mod=mw_latestnews4 -https://www.housingwire.com/articles/the-housing-market-correction-will-be-deep-and-ugly/5 -https://www.marketwatch.com/story/home-builders-say-housing-recession-shows-no-signs-of-abating-as-builder-sentiment-drops-further-11663596378?mod=economic-report6-https://www.marketwatch.com/story/u-s-existing-home-sales-fall-for-the-seventh-straight-month-in-august-11663769406?mod=economic-report7 -https://www.freddiemac.com/pmms8 -https://magazine.realtor/daily-news/2022/09/22/mortgage-rates-jump-even-higher-after-fed-hike9 -https://www.globest.com/2022/09/19/vcs-sit-on-a-record-pile-of-uninvested-capital/10 -https://investors.redfin.com/news-events/press-releases/detail/790/homebuyers-with-access-to-flood-risk-data-bid-on-lower-risk11 -https://www.washingtonpost.com/climate-solutions/2022/09/14/patagonia-yvon-chouinard-climate-change/
Did you know 73% of REALTORS® have personal safety protocols in place that they follow with every client? Or that 40% of residential REALTORS® said that they have participated in a self-defense class? NAR surveyed 54,622 REALTORS® to get more insight into REALTOR® Safety and we talk about just a few of those highlights. NAR's REALTOR® Safety Report: https://bit.ly/3R8YetV
La Asociación Nuestra Señora de Chamorro ha colaborado con el Concello de Narón en la organizacion de la prueba deportiva “21 Leguas, os 101 quilómetros de Narón”. Los diferentes talleres del centro de personas con discapacidad intelectual ubicados en o Val han realizado un destacado trabajo, encargandose de la confeccion y realizacion de los elementos que formaran parte de la prueba, tales como la señalización del recorrido, las medallas, banderínes y bolsas que se entregarán a los participantes en este evento, más de un millar de personas. Un trabajo que han acometido cargados de ilusion y que sin duda da visibilidad al magnifico trabajo integrador que realiza La Asociacion encaminada a propiciar la autonomia personal de las personas que trabajan en el centro. Desde hace varias semanas desarrollan un intenso trabajo para que todo esté a punto de cara a la celebración el proximo dia 8 del multitudinario evento, organizado por el concello de Naron y la Asociación 21 Leguas y que cuentan con la colaboración de los ayuntamientos de Ferrol, Valdoviño y Neda y de la Xunta de Galicia, el Puerto de Ferrol, la Armada y Navantia.
El pabellón de O Val vivirá el sábado una jornada de exaltación de percebes de pena Lopesa. Es una de las iniciativas promovidas por el Concello a través del programa Narón Mar Aberto, con apoyo del Grupo de Acción Local do Sector Pesqueiro (GALP) Golfo Ártabro Norte, cofinanciado por el Fondo Europeo Marítimo y de Pesca, la Xunta y la Consellería do Mar. En O Val se podrán degustar tapas de este crustáceo a 12 euros, de 12.00 a 20.00 horas, hasta agotar los más de cien kilos que se cocinarán, con 40 kilos de pemento do Couto y bebidas, a precios populares. El Concello agradece la colaboración de los percebeiros de Meirás.
No mais recente episódio, o Entender Direito detalhou os principais aspectos da Emenda Constitucional 125/2022, que já foi promulgada pelo Congresso Nacionale institui no recurso especial o requisito da relevância das questões de direito federal infraconstitucional. Os especialistas em direito processual civil e professores Luiz Rodrigues Wambier e Paulo Mendes foram os entrevistados desta semana pela jornalista Fátima Uchôa. Missão constitucional Antes de detalharem a EC 125, os dois entrevistados esclareceram a missão constitucional primordial para a qual o Tribunal da Cidadania foi criado. “Se nós olharmos o artigo 105 da Constituição, fica muito claro para os operadores do direito que o Superior Tribunal de Justiça foi criado com a função precípua de uniformização do entendimento sobre a legislação infraconstitucional. O STJ não pode ser visto, simplesmente, como mais uma instância, como uma terceira instância do Poder Judiciário, pontuou Paulo Mendes. Para o professor Wambier, o STJ é confundido como corte recursal de terceira instância por dois motivos em especial. “Primeiro, há um problema cultural. Nós recorremos de tudo na vida. A segunda questão, que me parece mais relevante, é que, na verdade, o constituinte originário brasileiro, ao distribuir as competências legislativas entre União, Estados, Distrito Federal e Municípios, fez com que, no imaginário da sociedade, houvesse sempre a necessidade de “ir a Brasília”, isto é, se servir do Recurso Especial ou até do Recurso Extraordinário na hipótese do Supremo Tribunal Federal, para obter uma decisão final, pontuou. Tribunal elitizado Para Paulo Mendes, há uma visão distorcida de alguns críticos sobre a presunção da relevância fixada no texto da Carta Magna com a EC 125. Segundo ele, as pessoas viram uma hipótese de presunção de relevância que ficou estabelecida no texto constitucional, como aquela de que só os recursos que impugnem decisões em ações de acima de 500 salários-mínimos teriam uma presunção de relevância e, portanto, entrariam no Superior Tribunal de Justiça. “Olharam isso como um assombro, como se aqui [STJ] estivéssemos elitizando. Mas é importante a gente explicar: a presunção de relevância na verdade é uma garantia dos jurisdicionados. Quando o constituinte disse que nas demandas acima de 500 salários mínimos nós vamos conseguir ter acesso necessariamente ao STJ, o comando é o seguinte: nesses casos, o STJ não pode negar relevância. E isso não significa que para todos os outros casos o STJ não possa aferir a relevância. Então, é o contrário do que se imagina”, esclareceu. Requalificação da advocacia Durante o programa é possível conferir ainda a avaliação dos especialistas em relação à necessidade de regulamentação do Filtro da Relevância, os impactos da nova emenda nos recursos repetitivos e como os advogados devem proceder em suas petições a partir de agora. “Há um ponto fundamental: vai acontecer uma requalificação da advocacia. O advogado como representante da parte no recurso terá que esmerar-se para demonstrar que aquela questão que, embora não seja presumida como de relevância, é de relevância. E ele vai ter que exercer seu ônus argumentativo”, considerou o professor Luiz Rodrigues Wambier. Entender Direito O Entender Direito é um programa quinzenal e vai ao ar na TV Justiça, às quartas-feiras, às 10h, com reprises aos sábados, às 14h, e às terças, às 22h. Também está disponível no canal do STJ no YouTube. Na Rádio Justiça (104,7 FM – Brasília), o programa é apresentado de forma inédita aos sábados, às 7h, com reprise aos domingos, às 23h. Você pode conferir e mais recente programa nas principais plataformas de streaming de áudio, como Spotify e SoundCloud.
"Quem receber esta criança em meu nome, estará recebendo a mim. E quem me receber, estará recebendo aquele que me enviou. Pois aquele que entre todos vós for o menor, esse é o maior." (Lc 9,48) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Quero ser curado - Pe. Léo, canal Canção Nova Play, youtube: https://youtu.be/EXzEDtQvrYE MÚSICA 1: Dentro de mim - Padre Zezinho, scj, Canarinhos do Liceu Coração de Jesus, youtube: https://youtu.be/yQYncGJbB_g Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: LADAINHA DA HUMILDADE - Missionário Shalom, youtube: https://youtu.be/10feFr-TS0c Catecismo da Igreja Católica, parágrafos 917, 918 e 919, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Consagrado Teu - Abner Santos, youtube: https://youtu.be/E2xepxkOwJ4 Santo do Dia: 26 de setembro - São Cosme e São Damião, canal do Padre Alex Nogueira, youtube: https://youtu.be/68bPapT9kyI MÚSICA 4: O que Agrada a Deus - Ziza Fernandes, youtube: https://youtu.be/KitmJQpwwyA Oração Final: Laudes, site iBreviary, link: http://www.ibreviary.com/m2/breviario.php MÚSICA 5: Jesus, Manso e Humilde - Eliana Ribeiro, youtube: https://youtu.be/OXSJJhu1GjA #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
Many people (including me) were curious about what was going on with NAR events. Thankfully, Ed Lacroix, the NAR events chair, gave me the opportunity to interview him! We talked about many questions I have found in the rocketry community about NAR events, so if you are curious about NAR events I believe that you will enjoy this episode! If you have any questions about this episode, or other model rocketry things, I would appreciate it if you contacted me at bit.ly/realmrocketrycontact. You can find me website, for even more Realm Rocketry, at realmrocketry.com. You can find out more about NAR and NAR events at nar.org.
Técnicos do Tesouro Nacional concluíram a versão preliminar de uma Proposta de Emenda à Constituição (PEC) que altera o teto de gastos para permitir um crescimento real de até 2,5% ao ano, à depender do comportamento de três variáveis. Está previsto para ir à votação no Senado nesta quarta (28), o projeto que promete destravar o piso da enfermagem. Bostic do Fed afirmou que desaceleração dos EUA pode ser razoavelmente organizada. Na Rússia, BBG relata aumento de pressão nas fronteiras terrestres e aéreas com saída de famílias em fuga do recrutamento militar. Podcast Direto ao Ponto do Banco Modal com as principais notícias de Brasil e Internacional ao longo do overnight.
Jason Hartman explores the latest housing market data with returning guest Dr. Lawrence Yun, Chief Economist and Senior Vice President of Research at the National Association of Realtors®. The Federal Reserve has raised the interest rate only one time this year, yet we see how fast the mortgage rates are rising. However, if one looks at the past history, you can see that at times when the Fed aggressively raised interest rates, the mortgage rate barely budged. So is it possible that most of the mortgage rate increases this year may have already occurred? Will any further jacking up of the interest rate by the Fed necessarily have any meaningful impact on mortgage rates? According to Dr. Yun, the wildcard here is inflation and whether or not it continues to rise due to unforeseen events currently happening around the world. Lawrence Yun is Chief Economist and oversees the Research group at the NATIONAL ASSOCIATION OF REALTORS®. He supervises and is responsible for a wide range of research activity for the association including NAR's Existing Home Sales statistics, Affordability Index, and Home Buyers and Sellers Profile Report. He regularly provides commentary on real estate market trends for its 1.4 million REALTORS®. Dr. Yun received his undergraduate degree from Purdue University and earned his Ph.D. from the University of Maryland at College Park. Key Takeaways: 0:00 Welcome returning guest Lawrence Yun, Chief Economist and Senior Vice President of Research at the National Association of Realtors 1:01 How long can this red hot housing market continue? 2:20 What does this mean for first time home buyers? 5:20 The cost burden has increased because of the home prices, but not in terms of the mortgage rate 7:46 What are the current housing inventory levels? 11:10 MLS - contingent and pending sales 12:17 Defining a balanced market 14:23 Will the market cool off with these higher rates? 15:42 Further interest rate hikes by the Fed may not have any meaningful impact on the mortgage rate 19:00 You can now buy a $1M home with an FHA loan in some areas 22:07 NARs chart on housing starts 24:14 Builders are not building entry level homes 26:47 Are we going to have a housing shortage for many, many years to come? 29:10 Boom in the home improvement industry 30:36 Possible inventory adjustment due to recent events 33:08 Job and housing market correlation 35:13 Multiple bids on rental units among renters 36:06 Do you see large investment companies continuing to buy more properties over the coming years? 38:31 There is a labor shortage across America 39:35 Increasing number of realtors 41:55 Increased home sales, increased prices but not increased ownership Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com
"Quem diz o povo que EU SOU?" (Lc 9,18) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Conheça um pouco mais sobre Padre Pio de Pietrelcina - Prof. Felipe Aquino, canal Felipe Rinaldo Queiroz de Aquino, youtube: https://youtu.be/4IHK7FdES1k MÚSICA 1: Uma Canção Sacerdotal - Antônio Cardoso, youtube: https://youtu.be/tDK51GFCEiU Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Sacrifício de Amor - Fátima Souza, youtube: https://youtu.be/XcwZHbhmA3o Santo do Dia: 23 de setembro - São Pio de Pietrelcina, canal do Padre Alex Nogueira, youtube: https://youtu.be/2y2T4YOnLHU MÚSICA 3: Confissões - Suely Façanha, youtube: https://youtu.be/IuH1F3MVOyQ Oração Final: Oração ao Padre Pio pelos sacerdotes, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/episodios/oracao-ao-padre-pio-pelos-sacerdotes MÚSICA 4: Fica Senhor comigo - Celina Borges, youtube: https://youtu.be/TjK3u-vS7hk #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
Semana do Rádio 100 anos: RadionovelaProdução: Kaká Rodrigues Apresentação: Marcos Olivares Convidada: Fernanda Lima - atriz, locutora, dubladora e diretora de casting da Radionovela Cristo para o Mundo As radionovelas marcaram a Era do Rádio e fizeram muito sucesso entre as décadas de 1930 a 1950, antes da chegada da televisão. Na Rádio Trans Mundial temos a Radionovela Cristo para o Mundo que apresenta estudos bíblicos e a história de Jesus de maneira que pessoas em todos os lugares possam entender e se relacionar com Deus. Para saber como foi o processo de produção e gravação da radionovela, acompanhe a entrevista com a diretora de casting Fernanda Lima.See omnystudio.com/listener for privacy information.
Nuestro colaborador participará en la semana del corazón que se celebra desde el lunes de próxima semana, a nivel nacional. En concreto, Carlos Piñerio y el chef Dani Lopez, hablarán el miércoles sobre alimentación cardiovascular. El programa cardioescolas se utilizará también a nivel nacional. Ademas recomendamos moverse y apuntarse al Dia de la Bicileta de RadioVoz en Narón y dentro de la campaña "Haz que te importe" recomendamos caminar hasta el puerto y realizar 2-3 veces por semana ejercicios de fuerza muscular. Terminamos con una manzana.
concelleiro de Seguridade Viaria de Narón, Román Romero, está desexoso de que chegue o 25 deste mes para celebrar o Día da Bicicleta, organizado con La Voz de Galicia e Radio Voz, coincidindo coa Semana da Mobilidade. E lembra que nos últimos dous anos non se puido organizar esta cita. A xornada pretende crear lazos entre a veciñanza e promover o deporte, se é posible con algunha sorpresa: «Non podo adiantar moito, pero queremos que a xente teña algo cando chegue ao parque de Xuvia». Dende o Concello súmanse ás accións europeas sobre urbanismo e sostibilidade no transporte, buscando promover o emprego deste medio de transporte para evitar o tráfico excesivo de coches. E é que nas cidades de pequeno tamaño como son as de Ferrolterra é evitable en moitas ocasións empregar un vehículo a motor particular, se as infraestruturas o permiten. A bicicleta convírtese nunha opción saudable e ecolóxica, ademais de respetuosa cos viandantes.
"Vaidade das vaidades, diz o Eclesiastes, vaidade das vaidades! Tudo é vaidade. Que proveito tira o homem de todo o trabalho com o qual se afadiga debaixo do sol?" (Ecl 1,2-3) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Quero ser curado - Padre Léo, canal Canção Nova Play, youtube: https://youtu.be/EXzEDtQvrYE MÚSICA 1: Hino do Amor Exigente, youtube: https://youtu.be/E-4oP3q77gE Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Teu Encontro - Verso Santo, youtube: https://youtu.be/WXIzb5tx0Ws Catecismo da Igreja Católica, parágrafos 914, 915 e 916, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Consagrado Teu - Abner Santos, youtube: https://youtu.be/3FC0zRE0Owo Santo do Dia: 22 de setembro - Santo Inácio de Santhiá, canal do Padre Alex Nogueira, youtube: https://youtu.be/rR8cKhG8M2c MÚSICA 4: Amar Como Jesus Amou - Fernanda Takai, youtube: https://youtu.be/XqTIn5y1WZM Oração Final: Laudes, site iBreviary, link: http://www.ibreviary.com/m2/breviario.php MÚSICA 5: Saber Amar - Ministério Vale Sagrado, youtube: https://youtu.be/6Yz5biy2A3c #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
El Día de la Bicicleta de Narón, organizado por el Concello, La Voz de Galicia y Radio Voz, congregó a cerca de cuatro mil personas. Pedro Caneiro, policía local y coordinador del equipo municipal de Educación Viaria, espera otra avalancha para este domingo, día 25, dada la cantidad de gente que se está anotando y el interés generado tras dos años de pandemia.
On this week's episode, it's a Real Estate ROYAL RUMBLE! We breakdown the looming unholy union between Zillow and REX to tag team against NAR's commingling rule. And one of the duo, Zillow is being accused of wiretapping homebuyers' visits to its website, OpenDoor taking the L on almost HALF of its home sales, and why is Anywhere fighting sellers on a NAR commission rule. We head to the top rope to drop an elbow on those headlines as well as Realtors donating more money, demand for luxury real estate continuing and where builder confidence stands. Join us on This Week in Real Estate to see who will be down for the count and who will emerge victorious.
"Jesus viu um homem chamado Mateus, sentado na coletoria de impostos, e disse-lhe: “Segue-me!” Ele se levantou e seguiu a Jesus." (Mt 9,9) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Quero ser curado - Padre Léo, canal Canção Nova Play, youtube: https://youtu.be/EXzEDtQvrYE MÚSICA 1: Cura-me - Pe. Adriano Zandoná feat. Frei Gilson, youtube: https://youtu.be/oa4rBetWaJQ Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Só uma Palavra - Flávia Andréa, youtube: https://youtu.be/QQEWcVoIwPk Catecismo da Igreja Católica, parágrafos 912 e 913, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Nas Asas do Senhor - Eliana Ribeiro, youtube: https://youtu.be/ycruj48JrUI Santo do Dia: 21 de setembro - São Mateus, apóstolo e evangelista, canal do Padre Alex Nogueira, youtube: https://youtu.be/iEFZALoxdrM MÚSICA 4: Pecador, agora é tempo, youtube: https://youtu.be/E4Z4fimd7E4 Oração Final: Santo do Dia, site Canção Nova, link: https://santo.cancaonova.com/ MÚSICA 5: Vem e Segue-me - Gen Rosso, youtube: https://youtu.be/wejieTO2_kE #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
V několika mých rozhovorech, ale i ve spoustě dalších médií občas zazní, že to nejhorší nás teprve čeká a že letošní podzim bude velmi náročný. Naráží se tím na ekonomickou situaci a problémy dnešní doby. Společně s interim manažerem Jiřím Jemelkou z JPF jsme si povídali o tom, jak na to připravit vlastní firmu a jak závěr roku byznysově zvládnout. Tato epizoda je součástí podcastu www.mladypodnikatel.cz a moderuje ji Jiří Rostecký. Poslechněte si také prémiové rozhovory, ve kterých jdeme ještě více do hloubky a zveme si ty nejzajímavější hosty: https://bit.ly/MPpremium (Sponzorováno) Veškerá doporučení, informace, data, služby, reklamy nebo jakékoliv jiné sdělení zveřejněné na našich stránkách je pouze nezávazného charakteru a nejedná se o odborné rady nebo doporučení z naší strany. Podrobnosti na odkazu https://mladypodnikatel.cz/upozorneni.
"Minha mãe e meus irmãos são aqueles que ouvem a Palavra de Deus, e a põem em prática." (Lc 8,21) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Subamos a montanha do Senhor - Padre Léo, canal Canção Nova Play, youtube: https://youtu.be/lK3ltwrBJyA MÚSICA 1: A Caminhada - Padre Léo e Monsenhor Jonas Abib, youtube: https://youtu.be/f-HU3Wo0tLA Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: A Vitória - Banda Bom Pastor, youtube: https://youtu.be/BlQMFROFavQ Catecismo da Igreja Católica, parágrafos 909, 910 e 911, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Alma Missionária - Alvaro e Daniel, youtube: https://youtu.be/vzvFm65A2rg Santo do Dia: 20 de setembro - Santo André Kim, Paulo Chóng e Companheiros, canal do Padre Alex Nogueira, youtube: https://youtu.be/TMYtw9N2lNQ MÚSICA 4: VIVER É CRISTO - Missionário Shalom, youtube: https://youtu.be/5R7OtJN3zbA Oração Final: Laudes, site iBreviary, link: http://www.ibreviary.com/m2/breviario.php MÚSICA 5: Viver pra mim é Cristo - Eliana Ribeiro, youtube: https://youtu.be/PpZKSnk51mg #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
Ante la situacion vivida a principios de septiembre el el poligono de as Lagoas de Narón el Partido Ppopular en el municipio de de Narón vuelva a insitir en la necesidad de dotar de hidrantes a las zonas industriales, para facilitar la labor de los bomberos en casos de emergencias como la vivida recientemete.
"Portanto, prestai atenção à maneira como vós ouvis! Pois a quem tem alguma coisa, será dado ainda mais; e àquele que não tem, será tirado até mesmo o que ele pensa ter." (Lc 8,18) Na Rádio Regional Esperança de Lins (95,1 FM) - A rádio da família! - das 18h10 às 18h50. https://www.regionalesperanca.com.br/ Orações; Músicas; Evangelho; Homilia Diária; Santo do dia; Catecismo da Igreja Católica. Apresentação João Claudio - "Que Jesus cresça e que eu diminua." (Jo 3, 30) CRÉDITOS: Música de fundo: Canto Gregoriano Monges do Monastério Beneditino de Santo Domingo de Silos, youtube: https://youtu.be/-cwHhzmU7ps Introdução: Subamos a montanha do Senhor - Padre Léo, canal Canção Nova Play, youtube: https://youtu.be/lK3ltwrBJyA MÚSICA 1: O Melhor Virá - Padre Rodrigo Natal feat. Thiago Brado, youtube: https://youtu.be/0mdyHNpx5Ws Evangelho do Dia, site da Canção Nova, link: https://liturgia.cancaonova.com/pb/ Homilia Diária, site do Padre Paulo Ricardo, link: https://padrepauloricardo.org/programas/homilia-diaria MÚSICA 2: Basta Ser Luz - Anjos De Resgate, youtube: https://youtu.be/7p9k_j3_wtE Catecismo da Igreja Católica, parágrafo 908, site do Vaticano, link: http://www.vatican.va/archive/ccc/index_po.htm MÚSICA 3: Livre no Espírito - Emanuel Stênio, youtube: https://youtu.be/NlJYizCxxOo Santo do Dia: 19 de setembro - São Januário, canal do Padre Alex Nogueira, youtube: https://youtu.be/mQScmWbcgg4 MÚSICA 4: VIVER É CRISTO - Missionário Shalom, youtube: https://youtu.be/5R7OtJN3zbA Oração Final: Oração a Nossa Senhora de La Salette, site do Padre Alexandre Fernandes, link: https://www.padrealexandrefernandes.com.br/oracao-a-nossa-senhora-de-la-salette/ MÚSICA 5: Hino de Nossa Senhora de La Salette: A Virgem em Lágrimas, youtube: https://youtu.be/x7lQ0k7U6-o #IgrejaCatólica #MúsicaCatólica #Evangelho #Santidade #Fé #Deus #Jesus #BíbliaSagrada
Dr. Michael Brown Responds: Can We Lock Arms With NAR CritiquesAs many of you know Remnant Radio has taken a mediated position on the New Apostolic Reformation. Witch Is odd because we are proud practitioners of spiritual gifts and many In the pentecostal charismatic space have a visceral reaction to NAR language. We did a bit of research on the NAR, with the assumption that we would agree with the vast majority of Charismatics. However, in our research, we came across a book called "A New Apostolic Reformation?: A Biblical Response to a Worldwide Movement" by Doug Geivett and Holly Pivec. Doug and Holly changed our minds on the subject. They identified a group of charismatic doctrines that we also wished to condemn. Though we disagreed with them on a few minor points, we found that their research shed necessary light on Charismatic abuses. So over a year ago, we interviewed both Doug and Holly in order to give them a chance to share their research with us. Today we are proud to be interviewing one of the world's foremost apostolic teachers and prominent voice In the New Apostolic Reformation.I jest, I jest!For real though, Dr. Michael Bron will be with us today to discuss the NAR. We have the utmost respect for Dr. Brown and his work in the charismatic community. For those who do not know, Dr. Brown has been one of the loudest dissenting voices against the vocabulary of "New Apostolic Reformation" calling It "the boogie man" and "a conspiratorial witch hunt". Today we are giving Dr. Brown the opportunity to speak about this often hotly contested subject. We hope in our discussion today we can find some middle ground that will help both charismatics and cessationists lock arms in policing the rare, yet frequently publicized charismatic excesses. Donate (Paypal)https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GC2Z86XHHG4X6___________________________________________________________________________________Exclusive Content (Patreon)https://www.patreon.com/TheRemnantRadio__________________________________________________________________________________We're social! Facebook: https://www.facebook.com/TheRemnantRadioInstagram: https://www.instagram.com/theremnantradio/___________________________________________________________________________________Our Favorite Bookshttps://www.amazon.com/shop/theremnantradio___________________________________________________________________________________Michael Rowntree's Church Bridgewayhttps://www.bridgewaychurch.com/___________________________________________________________________________________Michael Miller's Church Reclamation Churchhttps://reclamationdenver.com/___________________________________________________________________________________Kairos Classroom: Use Promo Code Remnant for 10% offhttps://kairosclKairos Classroom: Use Promo Code "Remnant" for 10% offhttps://kairosclassroom.com/classes Kairos Classroom: Use Promo Code Remnant for 10% offhttps://kairosclassroom.com/classesSupport the show
En entrevista con Luis Cárdenas, Alejandro Barbosa, fundador y presidente de la Asociación Civil Nariz Roja, que apoya a niños con cáncer, exige una disculpa pública de la Presidencia por ligar a Naríz Roja con una 'Red AntiAMLO'.
Tracey "the Safety Lady" Hawkins joins Bobbi and Alex on the show for the second time to offer her advice and tips for agents to stay safe on the job. Bobbi's Book Bit: Astrophysics for People in a Hurry by Neil deGrasse Tyson Register for Tracey's Latte & Learn on Sept. 16, 2022: https://kcrarportal.ramcoams.net/Education/Registration/Details.aspx?cid=d3c6fd81-1143-ec11-9c79-00155d100616 Read about Tracey's upcoming sessions at the NAR 2022 Conference: https://kcrar.com/kcrar-members-to-be-featured-speakers-at-national-association-of-realtors-conference/
Did you know that September is Safety Month at NAR? This month, we are talking with Tracey Hawkins about being intentional regarding safety in the general course of business. REALTORS® can be at risk when meeting strangers at empty houses, or meeting sellers at their houses alone. It is key to be prepared and use proactive solutions. Even though the likelihood of something happening may be small, the fact is the risk does exist. Our guest will inform you of these risks and will share some information that may surprise you, including stories of crimes against agents. You may not realize who the majority of the victims are. In this episode, you will find out and will learn so much more. This episode shares crucial information to keep you safe on the job. Disclaimer: Some topics discussed in this episode may not be suitable for children. [2:23] Monica introduces Tracey Hawkins and shares her biography. [3:20] Monica welcomes Tracey to The Center for Real Estate Development Podcast to talk about safety and security. [4:17] Tracey says that we're more aware of incidents with REALTORS® thanks to social media and more reporting. Incidents have always happened and continue to happen. Tracey talks about these crimes on social media. There are many forums where real estate agents talk about these crimes, so we're just more aware of them. [5:18] The most important part of Tracey's message is “Let's prevent these crimes,” using lessons learned. Tracey talked at the 2021 NAR Conference about lessons learned. She looks at the crimes against real estate agents, and without blaming the victim, let's learn from what happened in those crimes and let's pledge to do better. [5:53] In the last two-and-a-half years, there has been a focus on male agents being victimized and the question is, why? In 2017 for REALTOR® Magazine, Tracey wrote an article about crimes against male agents. It was the most-read article of the year. She rewrote the article for RIS Media. In the last while, in almost every crime against REALTORS®, a male agent has been the target. [6:43] Most recently, a male agent was murdered by his 85-year-old client. The agent had only communicated with the client online. It seems the client had bought the home after only seeing it virtually. After he closed on the house and moved in, he decided he didn't want it and wanted to “return” it. When the agent met the client at the home, the client shot and killed him and then shot and killed himself. [7:55] Tracey talked to an agent who knew the situation. The agent's opinion is that the solution is that no one should be able to close on a house without seeing it in real life. But in the pandemic, that was not realistic. Many homes have been sold virtually without any problems. This was a case of a disturbed person. We can prepare but we can't prevent everything. [9:30] Tracey shares a story from California. A brother and sister had inherited a property. The sister wanted to sell it but the brother didn't. Two real estate agents and a home inspector met them both at the property. The brother pulled out a gun and shot the two agents and the home inspector. The agents were wounded and the home inspector died. [9:57] Tracey has always recommended agents follow the CITO (Come Into The Office) protocol for the first meeting. Failing that, the first meeting should be virtual, on Facetime, or similar. The pandemic made agents more apt to use virtual meetings. During the virtual meeting, you can gauge the disposition of the client, such as if there is a conflict between the sellers. [11:06] Tracey suggests being more productive during a virtual meeting. Share your screen and show a few properties virtually. You can rule out properties without driving to them. [12:34] The stories Tracey shared were not random strangers showing up. They were a client and potential clients. This opens up awareness beyond what we have been taught. Tracey has talked to thousands of agents and is active on social media. She has conversations with agents who think they have nothing to worry about. Criminals have cars; there's no such thing as a safe neighborhood. [13:45] In the “nicer” neighborhoods, where you think you're safe, that's where criminals assume that the rich agents are. Tracey shares a recent story from Las Vegas of an assault against a female agent in a model home in broad daylight. It can happen anywhere, anytime. Always be alert and aware. [14:27] Tracey's job is somewhat challenging. She works hard to get the message out to male agents. You may not think you need to hear what she has to say but it could save your life or save them some trouble. [14:54] Monica returns to the idea of showing properties virtually, especially for clients who cannot conveniently come into the office. It's a great first step for safety and also for having a conversation about where the client wants to live and what kind of house they want. Before getting in a car and driving around, the agent will get a better vibe of what the client wants. It builds the relationship. [16:03] Burglaries also happen. An agent in Tennessee was opening the door for clients. A gunman approached and said, “Run for your life!” The agent trusted his gut, threw his keys, and ran. He was not shot. The gunman stole the car, which was later recovered by police tracking his iPad still in the car. [17:05] In Florida, a male real estate agent was in front of a listing and a gunman approached and abducted the agent. They drove to two ATMs where the gunman stole $500 at each ATM and then shot and killed the agent. Be aware, be alert, and know that it can happen. The male agents always tell Tracey how big they are, but they can be victimized, too. [18:59] Tracey teaches agents to lead with safety and be the agent who is constantly talking about safety. When a caller asks you to come to their property, inform them that company procedure requires you to check them out and get some background information before you visit a property. That's for everyone's benefit. [20:06] Don't assume that the person in the house is fine because they own a house. It might even be someone who has “jacked” the listing and is pretending to be the owner. [20:34] Forewarn® for Real Estate is an app for REALTORS® that does a basic background check in a few minutes. Tracey has interviewed them for a couple of her articles. If some of the agent victims had used Forewarn®, they might never have met their assailants. Forewarn® reports on criminal convictions, but many criminals have not been caught. So Forewarn® is a layer in your safety process. [21:28] The U.S. Department of Labor considers real estate sales and leasing a high-risk, hazardous occupation. You meet strangers in empty houses. Build safety into your business. Let clients know safety requires you to check them out before going to meet them. Let clients know they have to get valuables, guns, envelopes, and prescriptions out of sight in an open house. Be the safety agent for your clients. [23:17] The agent must say out loud to the seller, that the agent cannot be responsible for belongings in the house. The agent can make a waiver for the seller to sign. Provide a checklist of things for the seller to lock away or hide to keep them safe. Tell the seller, no one should know who lives in this house. Take down family photos. You will represent safety to that seller and stand out from other agents. [26:50] If the house is empty, you can offer to go by and check that it is locked and secure. But you may be taking on liability with this offer. [28:40] Monica asks Tracey about these practices: Before going to meet someone at a house, on the phone get their full name, phone number, email address, their REALTOR® if they have one, and who is coming with them to the showing. Also, tell them you will be checking their driver's license outside the house. If unexpected extra people show up, you have a chance to find listen to your gut feeling. [30:58] Tracey loves that Monica is listening to her gut feeling, instinct, intuition, or whatever you want to call it. All agents need to do that. If your gut is telling you you're not safe, believe it and get out of the situation. If you do not have the first meeting in your office, meet at a coffee shop where you are known, where if something happens, it will be noticed. Or borrow vendor meeting rooms in different parts of town. [33:59] Tracey's sister, an agent for 34 years, only meets new people at her office. You meet a professional at their office. Wherever you meet, let the client know you have a safety plan that includes knowing whom you are meeting and that you will need some information. Be consistent for one and all, so you don't get into trouble with fair housing discrimination. Make it your everyday safety practice. [35:40] When you rented a movie at Blockbuster, you showed your ID. Of course, it is reasonable to show an ID to make the largest financial transaction of your life. A legitimate client will accept safety practices. It needs to be a part of your safety plan and it needs to be consistent. [36:20] Tracey's tools for safety include smartphones and smartwatches. You can call for help or show your location from your watch. Set up the safety settings of your smartwatch and smartphone. Google Maps has a free location-sharing feature. Every agent needs to use it. Google Calendar can be shared with your office for your work appointments. Google View can show a street view of where you are. [38:30] Someone should always know where you are. But, whenever there is Bluetooth or Wi-Fi connectivity, your information is being shared, so be on alert. You might be playing golf, but somebody knows where you are. [39:55] Tracey's suggestions about carrying weapons. The number one defensive weapon agents use is pepper spray. Next are firearms, and then knives. Know the difference between tear gas, Mace, and pepper spray. Mace is a brand name. You want pepper spray. Look for OC (Oleoresin Capsicum) on the label. The spray has an expiration date. Test it. Know how it's going to spray when you need it. [41:17] Any safety tool, whether it's your phone, or whether it's a gun, or your pepper spray, needs to be accessible. In some cases you want it to be visible, like pepper spray, as a deterrent. Practice and test the pepper spray every six months. [42:24] Tracey sells pepper spray to agents. She tells them to take it outside and practice with it, become familiar with it, and test it every six months. [43:04] Some agents tell Tracey their husband wants them to have a gun but they are afraid of it. If you are afraid of a gun, you're not going to carry it. If you are not comfortable using it, it is more likely to be taken from you and used against you. If you are comfortable with a gun, take care of the legalities first. NAR does not have a policy on guns. They refer you to your regional or local association. [43:57] If you get the clearance of your local board or association, talk to your company and find out if they have restrictions on carrying a firearm. Then, don't just get a license and call it a day. Enroll in firearm safety classes and be there regularly. Practice regularly so it becomes muscle memory and when it becomes time to use it, you are confident. Tracey shares a Colorado story where an agent had to shoot. [45:18] If you are going to take martial arts or self-defense classes, you need to be committed. You need to do it. Tracey shares a Virginia story where an agent was hit 10 to 12 times in the head area with a wrench. She was a black belt. She put up a fight. She survived, with a long road to recovery. Enroll in self-defense classes, take more than one class, and take them regularly. Get muscle memory. [45:59] All of these things are layers in your safety plan. First, be proactive. Then have weapons of pepper spray or firearms. Take self-defense classes. Tracey wishes proactive safety education was mandated. Monica believes proactive safety education is working for some of us and shares a story of an alert agent who protected herself from a potential assault from someone lurking around an open house. [47:54] Tracey says that 71% of REALTORS® surveyed have not taken a safety class. Tracey wants to change that. Meanwhile, she tells agents to rely on their gut, but also not to judge a book by its cover. Look at photos of Sam Walton and Ted Bundy. You would not know from looks which was the richest man in the world and which was a serial killer. Look at behavior. Judging wrongly could cost you your life. [50:30] Monica recommends a book, Verbal Judo, and asks for Tracey's recommendations on de-escalation. Tracey tells of an agent who showed up for a listing appointment and walked into a sibling dispute. She said she would go back to her car and when they reached a decision they could come out and invite her back in. Tracey also suggests a fake phone call to retreat from an uncomfortable situation. [52:29] Having an implied witness to whatever may happen is helpful. Tracey has group discussions and role-plays in her classes. Agents learn from each other when they hear the different stories and the techniques others have used. Role-playing prepares you for situations that might take you off-guard when it's hard to think on your feet. [53:54] Safety education needs to be a part of new agent orientation. New agents have no clue what they don't even know. [54:54] Tracey's last words for the episode: Agents are interested in putting video content on social media. Use those platforms to talk about safety! Be the safety agent for your area. Post safety tips. Be a resource. Provide safety content for people to copy instead of sending out the same email every other agent is sending. Lead with safety. Use expert-created content that Tracey and others have curated. [56:25] Monica thanks Tracey for caring about us and sharing this important safety information. [58:14] Monica invites the listener to listen to Donny Allen's episode on safety, Episode 44. He discusses different things than Tracey discussed. Monica invites you to share Tracey's episode with your friends to help them be safer in these crazy times. [58:52] Check out the new Center for REALTOR® Development website at Learning.REALTOR. Tweetables: “I live and breathe real estate safety.” — Tracey “I think one of the reasons there are not more [crimes against REALTORS®] is the proactive preparation that agents are making.” — Monica “There are things that we can do but we can't prevent everything.” — Tracey “Use that virtual opportunity to be more productive. … Take that time in your first meeting to share your screen and show a few properties and you can rule out properties that just are not a fit, right there virtually, so you're more productive and you're working safely. So the two go together.” — Tracey “My job, without inducing fear, is to let agents know that it happens everywhere. It happens at all times. And if one more person says anything to me about ‘I only go to good neighborhoods,' I'm going to scream!” — Tracey “Ask the police about ‘good neighborhoods' and how many times they go there for domestic violence!” — Monica “The nicer neighborhoods, … that's where the good stuff is and that's where criminals assume that the rich agents are. So when I look back at crimes against real estate agents, I see them happening in model homes. … It can happen anywhere, anytime. You need to always be alert and aware.” — Tracey “My job is always challenging. People don't think they need to hear what I have to say when what I have to say could save their lives.” — Tracey “When you hear that the U.S. Department of Labor considers real estate sales and leasing a high-risk, hazardous occupation, then that makes you pay attention. You make a living sitting in empty houses waiting for strangers to walk in. You make a living meeting strangers in empty houses.” — Tracey “Someone should always know where you are when you are working, no ifs ands or buts about it. That means open houses.” — Tracey “Any safety tool, whether it's your phone, or whether it's a gun, or your pepper spray, needs to be accessible. In some cases you want it to be visible, like the pepper spray as a deterrent.” — Tracey “Enroll in [firearm safety] classes and be there on a regular basis so that it becomes muscle memory; when it's time to use it, you are confident.” — Tracey “If you are going to take a martial arts or self-defense class, you need to be committed. You need to do it.” — Tracey “That's one of the things about proactive education, that when people are applying it, we don't know what we've thwarted. So, we have to just believe that it's working even though we don't know it and that's the good news is we believe that it's working for some of us.” — Monica “It easy to put [safety] off. Until it isn't. We don't want any of you to be a statistic. So if you don't have a policy already, I would encourage you to set it this week. Put that on your goal list. And attend a class this month.” — Monica Guest Links: Tracey, the Safety Lady — Tracey Hawkins www.safetyandsecuritysource.com/about www.nar.realtor/safety Verbal Judo: The Gentle Art of Persuasion, by George J. Thompson and Jerry B. Jenkins realtor.libsyn.com/44-safety-tips-for-realtors-with-donny-allen Forewarn for Real Estate Additional Links: Micro courses found at Learning.REALTOR Crdpodcast.com Learning.REALTOR for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates firstname.lastname@example.org Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com Monica's Facebook Page Facebook.com/Monica.Neubauer Instagram Instagram.com/MonicaNeubauerSpeaks Additional Bio: “Tracey, the Safety Lady” Hawkins is a former real estate agent who has taught thousands of agents across the country to live and work safely for over 27 years. Hawkins is the real estate safety writer for The Close and a safety expert and contributing writer for the National Association of REALTORS® REALTOR® Magazine, MNNews, realtor.org, contributing writer for the National Association of Residential Property Managers/NARPM, Houston REALTOR® Magazine, and RIS Media. Tracey, the Safety Lady” was selected to speak at the National Association of REALTORS® national conference in 2021 and 2022! Tracey has also presented at the Triple Play REALTOR® Convention and EXPO. She has been recently selected as a 2022 RISMedia Newsmaker in the Crusader category. She was selected to speak nationally for the National Association of Residential Proper Managers (NARPM) and realtor.com in 2021. She has created the country's only real estate agent safety designation, the Consumer Safety and Security Specialist (CSSS). She also created the only broker, manager, and owner office safety policy certification workshop with an office safety policy handbook and the property management safety certification program.
MindShare101's David Greenspan is joined by Realtor/YouTube Expert/Speaker/Author – Karin CarrKarin Carr has been a REALTOR® since 2005. She heads the GCH team with Real Broker and is based in Savannah, GA. Karin is a national speaker on video marketing and will be featured at NAR's annual conference in November 2022. She was named the #1 BombBomb Real Estate Video Influencer in 2019 in the Consumer Education category and has been featured on Fox News and Time.com. Karin has spoken at real estate conferences around the country and is a frequent livestream and podcast guest talking about the effectiveness of video marketing. Karin is the Amazon bestselling author of YouTube for Real Estate Agents - Learn how to get FREE real estate leads and never cold call again.This Episode is sponsored by The Buzz Conference and KiTS Keep-in-Touch Systems.Please subscribe, rate the show, and leave a review. You can also get more #MindShare on Facebook @MindShare101 and Instagram @davidgreenspan101. Check out YouTube #MindShare101, and https://mindshare101.com/
In this Real Estate News Brief for the week ending August 27th, 2022... the Fed Chief's Jackson Hole message on rate hikes, the July dip in inflation, and why some home buyers say they have regrets. Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review. https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715Economic NewsWe begin with economic news from this past week. Federal Reserve Chief Jerome Powell shook things up with some hawkish remarks in a speech at Jackson Hole. His comments triggered a major stock market sell-off with the Dow dropping more than 1,000 points.Powell's speech focused on the central bank's responsibility and resolve to get inflation back down to the 2% level. He said that could include another three-quarter point rate hike at the Fed's September meeting, but Powell said the size of the rate hike will depend on all the totality of the data between now and then. (1)He also warned that households and businesses will feel some pain because of higher interest rates, slower growth, and softer labor market conditions, but doubled down on the need to continue with tight monetary policy for an extended length of time. Some economists believe that means “no” rate cuts in 2023, even if inflation has settled back down. The Federal Funds rate is currently between 2.25% and 2.5% which Powell calls “neutral.” The Fed committee is expecting that rate hikes will bring it close to the 4% level, and it will remain there through the end of next year. But he says the Committee may offer a new prediction at the upcoming September meeting.Powell's speech came just after the latest report on the PCE or personal consumption expenditures index. That's the central bank's preferred gauge for inflation. The report shows inflation was down .1% in July, mostly due to lower gas prices. That brings the annual PCE down from 6.8% to 6.3%. (2) Powell responded to the report saying: “A single month's improvement falls far short of what the Committee will need to see before we are confident that inflation is moving down.”Meantime, the government issued an update on the second quarter GDP. It had initially said the economy contracted .9% but the revision shows it shrank .6%. The main reason for the upward revision is that consumer spending and business investment was stronger than previously reported. Business profits were also positive, after a decline in the first quarter. As MarketWatch reports, they were up 6.1% in Q2. That's good news because when companies are profitable, there's little incentive for layoffs. (3)The weekly jobless report also shows that layoffs remain near record lows. New jobless claims were down to a one-month low of 243,000. They've been as low as 166,000 in March, which is the second-lowest level ever. The summer high point was 261,000, but they've been edging lower since then.Moving on to home sales and the housing market slowdown. New home sales were down in July to their lowest level since January 2016. They fell 12.6% from an annual rate of 585,000 in June to 511,000 in July. Year-over-year, sales are down 29.6%. (4) Although that sounds bad, the housing market has been way too hot for quite some time. The slowdown will help slow home price growth, and bring the market back toward normal. Existing home sales are also down. The National Association of Realtors reports that they fell 1% in July compared to June. But that's less than the 3% drop that analysts polled by the Wall Street Journal had expected. Year-over-year, existing home sales are down 19.9%. NAR's chief economist Lawrence Yun says: “In terms of the current housing cycle, we may be at or close to the bottom in contract signings.” He says the smaller than expected drop is likely reflecting the stabilization of mortgage rates. (5)Mortgage RatesMortgage rates had been bouncing around a bit near the 5% mark, but this last week, they shot up closer to 6%, which may not sound like they are stabilizing. Freddie Mac says the average 30-year fixed-rate mortgage was 42 basis points higher to a rate of 5.55%. The 15-year was up 30 points to 4.85%. (6) NAR economist, Nadia Evangelou, says that higher mortgage rates are hurting buyers more than higher home prices. She says a one percent increase in the mortgage rate is like a 13% increase in home price. (7)In other news making headlines…Homebuyer RegretsThe sizzling hot housing market we've seen in the last couple of years had resulted in a high number of remorseful homebuyers. A survey by Clever Real Estate shows that 72% of buyers have regrets about what they purchased. Of those remorseful buyers, 66% were millennial first-time buyers who were in a rush to settle down and raise a family.About 1,000 people participated in the survey and had bought a home in either 2021 or 2022. 88% of those people said they were up against stiff competition which had an impact on their buying strategy. Many buyers said they increased their budget, sped up their plans to buy a home, expanded their search area, and even decreased the size of the home they wanted, in order to close on a deal. Some said they delayed their plans to purchase.The biggest reason for their regrets is having spent too much money. 1 in 3 buyers paid more than asking price. More than half the buyers bought a fixer-upper and about 1 in 4 regret it. There's a lot of data in this survey. If you'd like to see the full report, you'll find a link in the show notes at newsforinvestors.com.That's it for today. Please remember to hit the subscribe button, and leave a review!If you'd like to find rental properties that will help you build long-term wealth, please hit the “join” button at our website. As a member, you have access to the Investor Portal where you can view sample properties and connect with our network of resources. We can put you in touch with property teams, lenders, 1031 exchange facilitators, attorneys, CPAs, and of course, our experienced investment counselors.Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/feds-powell-in-blunt-remarks-at-jackson-hole-says-bringing-down-inflation-will-cause-pain-to-households-and-businesses-11661522428?mod=federal-reserve2 -https://www.cnbc.com/2022/08/26/feds-preferred-inflation-measure-shows-price-pressures-eased-in-july.html3 -https://www.marketwatch.com/story/gdp-contracted-at-0-6-annual-pace-in-the-spring-11661431779?mod=inflation&mod=article_inline4 -https://www.marketwatch.com/story/u-s-new-home-sales-fall-in-july-the-lowest-level-since-january-2016-11661263938?mod=economy-politics5 -https://www.marketwatch.com/story/u-s-pending-home-sales-slip-again-in-july-11661349838?mod=economic-report6 -https://www.freddiemac.com/pmms7 -https://magazine.realtor/daily-news/2022/08/25/economist-mortgage-rates-hurt-buyers-more-than-home-prices8 -https://anytimeestimate.com/research/american-home-buyers-2022/
In this episode, I compare a couple of heavyweight pens in the Montblanc Meisterstuck 149 and the Jinhao cloned version. Tom gives us a peek at what pens are laying around on his desk at the Goldspot office. I attempt to fix a Nar-whatever Peter Draws pen with a TWSBI wrench and only make the problem worse. Whatever it is that you take away from this podcast, just know that we're trying to make the world a safer, more enriching place for our children's children. If you'd like to shop for a new pen or try to get Tom fired, head over to our retail sponsor, Goldspot Pens at: https://goldspot.com/?aff=3 Use promo code ROY to get an additional 10% off throughout the Goldspot Pens store. *Excludes Sailor, Retro 51, Montblanc, Visconti, Esterbrook, Edison Pen Co., Narwhal, and TWSBI products.* Also, be sure to put #firetom in the order comments and you might get a special Pentertainment Podcast sticker with your order. Drink it in. You'll feel intoxicated by the blood-red color of the Benu Euphoria Armenian Pomegranate fountain pen. Coming in September, this limited run of 300 pens celebrates Benu's move to Armenia that took place earlier this year. Be sure to get yours before the vampires do. Don't forget to check out brlcoffeeco.com for the latest and greatest in coffee from my good friend Neil. Also, be sure to use coupon code "roy" at check out to score extra savings on all products on the brlcoffeeco.com website! Forget going back to school, it's time to get back to COOL with the officially-licensed PenBoyRoy Pen Review Channel t-shirt. You'll be the coolest kid, even if you're old and no longer go to school. Find these amazing shirts at the InkJournal website below. https://www.inkjournal.com/collections/stickers/products/penboyroy-official-t-shirt-black
“How long are you going to wait until you demand the best from yourself?” -Epictetus I share 18 lessons with my 18-year-old self. #2 is: Don't fear being different. That's your advantage. #4 is: No one cares about your college grades. #14 is: Finding the truth is more important than being right. #17 is: What does life want from you? National median home prices eased from June to July—from $414K to $404K. Homebuilders are in a recession. However, available housing supply is still low and demand is high. Almost every human is forgotten in four generations. Is a housing price crash imminent? You get a clear “yes” or “no” answer. The NAR says that today's first-time homebuyer is: 33 years old (oldest ever), $86,500 household income, $252K median purchase price, 7% down payment, and 37% carry student debt. Average size is 1,640 sf. If you'd like to advertise with us, visit: GetRichEducation.com/Contact Resources mentioned: Show Notes: www.GetRichEducation.com/412 Median sale price eases: https://www.wsj.com/articles/existing-home-sales-prices-housing-market-july-2022-11660774574 Median US house price historic chart: https://fred.stlouisfed.org/series/MSPUS Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com JWB's available Florida income property: www.jwbrealestate.com/gre or (904) 677-6777 To learn more about eQRPs: text “GRE” to 307-213-3475 or: eQRP.co Available Central Florida new-build income properties: www.b2rdirect.com Analyze your RE portfolio at: (use code “GRE”): MyPropertyStats.com Best Financial Education: GetRichEducation.com Get our free, wealth-building “Don't Quit Your Daydream Letter”: www.GetRichEducation.com/Letter Our YouTube Channel: www.youtube.com/c/GetRichEducation Top Properties & Providers: GREmarketplace.com Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Today's episode transcript: Welcome to GRE! I'm your host, Keith Weinhold. Learn 18 profound life lessons I've learned that I wish I could share with my 18-year-old self… and… has the time come? After the looong & sometimes steep housing price runup, is a housing price crash finally imminent? And what's the future direction of the housing market? Today, on Get Rich Education. ___________________ Welcome to GRE! From Red Deer, Alberta to Red Rock State Park, AZ and across 188 nations worldwide… I'm Keith Weinhold. THIS is Get Rich Education. The voice of real estate investing… 412 weeks in a row… since 2014. I hope that you're having a great week! You know, I have seemingly been a late bloomer in almost every way in life that you can conceive. But as some say, “many people never bloom at all”. Alright, well enough. But look… I was almost 18 years old when I graduated high school, just like - perhaps you - and many people are. But I looked like I was 13 then. I was among the very last in my class to experience puberty there at Coudersport High School, Pennsylvania. This is one reason that I could not attract a high school girlfriend or get a prom date. Even though… I asked a girl to prom and she said “no”. As underdeveloped and impressionable as I was then, here are 18 lessons that I want to share with my 18-year-old self. I wish that I could share these lessons that I've learned now with my 18-year-old self: You Know Nothing. But You're Not Alone. You have so much to learn, 18-year-old Keith. So don't act like you know it all. Society actually likes when you're genuinely inquisitive and want to learn. What about you? Can't you sense when someone acts like a know-it-all? It's not something that you want to be around. Back to advising my 18-year-old self. Don't Fear Being Different. That's Your Advantage. In high school and even college, winners fit in. In the real world, winners stand out. In fact, avoid normalcy. It's a synonym for mediocrity. Work To Learn. After that, work to earn. No One Cares About Your College Grades. For your interests, college is optional, not mandatory—regardless of what your friends are doing. Find an energy for learning. Be autodidactic (an autodidact means a self-taught person). Focus on becoming a person of value. Keep Moving. Health is wealth. Prioritize physical exercise over moneymaking. No matter WHAT you choose to do, you'll be living inside that same body when you're age 100. Failure Can Be Alright, Even Good. In school, you learned that mistakes are bad and should be avoided. A failure that you recuperate from demonstrates that you tried. You learned a lesson. In fact, DECORATE your failures so much that you should go ahead and tell others how bad you failed; they'll either relate to you or they'll learn from you. Don't Follow Paths Others Have Made. Others guide you. But create your own map. If you're soullessly trading your time for dollars at a job, you need to design yourself an escape route so that you can quit as soon as possible. If you're selling your time that way - stop it. Your life is made up of chapters of time. This is not a dress rehearsal. This is your life. Research, Commit, Then Be Consistent. Prepare for disappointment. Most people won't be as committed as you. Showing up on time is a commitment, so is marriage. Learn About Investing In Real Estate. Everyone needs it. It's made more ordinary people wealthy than anything else. Keep Real Estate And Emotions Separate. Facts trump feelings. It's 99% about: market, management, and income exceeding expenses. Make Grandma Proud. Pretend that she's watching you. Live a life that's exemplary in what you say and do. You might remember me mentioning my late Grandma Weinhold here on the show. Be Present. Don't over-anticipate future moments and events. They are less important than the present. Otherwise, you'll miss out on your entire life. Your life will never not be now. Appreciate "now". Who Your Friends Are Matters. Jim Rohn said: "You are the average of the five people that you spend the most time with." Take the average of your closest five's: values, their athleticism, their ethics, wealth, fashion sense, travel, neighborhood quality, and family structure—that's nearly who you will BECOME. Finding The Truth Is More Important Than Being Right. People respect you when you say: "I was wrong. Here's why." more than trying to defend some antiquated or faulty belief. Give. Money is an abundant resource. You will have a great ability to give. Generosity is championed in the Bible. It's Aristotle's third virtue. It will make you feel happy, it's good for your health, contagious, and spurs gratitude. This ossifies your net "value add" to the world. Mentors Matter. Others see you in a way that you cannot. You'll simply never be able to see yourself in a way that others can. You'll meet people smarter than you; ask them for their help. What Does Life Want From You? As I learned from Eckhart Tolle, don't ask: "What do I want from life?" A more powerful question is: "What does life want from me?" (And you'll remember that I mentioned this one last week on the show here and took a deeper dive on it.) And the 18th and final lesson that I'd like to go back and share with my 18-year-old self is… Build. Anthropologists suggest that almost every person is forgotten after three generations. At your trajectory, what will your legacy be? Why and how will you be remembered? They are the 18 lessons. The stoic Epictetus said one of the most profound motivational things ever… and it's in the form of a question. Epictetus said: "How long are you going to wait before you demand the best for yourself?" Yeah, that is his question. At least here on this Earth, this is your last life ever. Now, as much as some of those 18 might resonate with you… and maybe you want to share those with someone in your life… I've seriously got to ask… (Laugh) If I had read those as an 18-year-old, knowing that I wrote them a couple decades later, would I have ever listened to those as an 18-year-old? I don't know. I probably wouldn't have changed my behavior on some of them… but a few. I've also got to wonder, in another 20 years, will these change? 20 years from now, would I be advising my 18-year-old self any differently? Now, I discussed in there how anthropologists suggest that most every human is forgotten in 3 to 4 generations. Sadly, quite a few people are forgotten 3 to 4 minutes after their death. And many more, within 3 to 4 hours, 3 to 4 days, or 3 to 4 weeks after their death. Of course, your children will remember you longer, and your spouse of, say, 50 years will remember you longer. Realistically, LOTS of people are soon forgotten because they never did anything worth remembering. Good people are forgotten. People that never caused any trouble or uproar. They kept their lawns mowed. They kept their cars clean. But nothing notable worth remembering, like caring for lost animals or handicapped children or always remembering their friends' birthdays. For a thoughtful person, it is wise to consider from time to time “what have I done recently, that people will want to remember?”. Of course, we should all do every day all those things necessary to be a good neighbor, a good landlord, and a good citizen. If you don't do that, you may be remembered because you were such a slob, or took care of your house so badly, or didn't bother to shave and shower regularly. But assuming you are doing everything so that absolutely no one will be offended or annoyed, then you have to do something special if you are going to be remembered for longer than a few days or a few weeks. Let's recognize something. Abraham Lincoln died six or seven generations ago. He is remembered with respect and honor. John Wilkes Booth died just a few days after Lincoln. He is remembered with scorn and despising. So it is a mixed blessing, for you to be remembered. For most people, they would prefer to be forgotten rather than remembered as a deviant or a monster or a social parasite. My own guess is that VERY FEW people are remembered well, for as long as four generations. They may be listed in a family genealogy, but beyond being a statistical item, the individuals and who they are have been long forgotten. It's been said that "The greatest waste in the world is the difference between who you are and who you could become." Now, be real with me. Is what I'm telling you making you pensive and even melancholy about your own mortality? How do you feel… in your heart… right now? How do you feel… in your stomach… right now? What's your mind telling you here? Cheer up a little. I want you to take some solace in the fact that… I believe there are more important things than for you to be REMEMBERED for decades and for generations. But doing those more important things — helping other people, making a better world, advancing the store of useful knowledge — will usually lead to YOU being remembered, long after you have passed into your next life. That is probably the person that you strive to be here on Earth… after all. If you're still feeling like you're not enough… well… I don't have all of the answers. But you just got 18 lessons so that you can listen to those again and see which ones fit into your life. I'll be back with some GRE core content about real estate and a housing price crash. I'm Keith Weinhold. You are listening to Get… Rich… Education. _________________ You're listening to one of America's longest-running and most listened-to real estate shows. Welcome back to GRE. I'm your host and my name is Keith Weinhold. I am genuinely grateful for your listenership. There will only ever be one Episode 412 of Get Rich Education… and you're listening to it. If you'd like today's Show Notes, simply go to GetRichEducation.com/412. It includes not just today's supplemental resources, but the entire transcript of today's episode. Some people like to say: "Housing prices. They don't matter to cash flow investors." To that, I say. C'mon now. Price might not be the principal consideration. But price matters. If it didn't, why not just pay triple the asking price on your next property purchase? Why does every classified ad have a price in it? Of course, real estate price matters-even to cash flow-centric investors- when you're buying, you're selling, or for you to have an adequate equity cushion for refinancings. US home sales dropped last month. That's nothing new. That just means sales volume. Housing supply is part of the reason for volume drop. Available supply is still just half - or less - of what's needed and it will be a multi-year problem. I've discussed that before. The dearth of supply is an inelastic condition - it's difficult to change. What's the way out of that undersupplied condition? It's homebuilding. Well, many believe that homebuilders are in a recession. Some are building less while they wait for affordability to improve. This is only going to prolong America's housing supply problem. Let's LOOK at prices. Since July 2019, which was back before you knew the definition of "pandemic" and the only time that you wore masks were for Halloween, home prices have risen 44.5%. Yes, 44-and-a-half percent in just 3 years. Now, if we shorten that up to year-over-year median house price growth in America, it is still 10.8%. But the median sale price from June to July eased from about $414,000 to $404,000. 414 to 404. Now, some might say this is hardly a change at all. No, I think it's meaningful… because all we've seen are both YOY and MOM housing price increases for years now. Is it an aberration or is it a trend to come? Of course, no one really knows. But I think it's worth paying attention to. Has the time come? Did real estate prices run up too far, too fast, meaning they must come crashing down to earth in a streaking fireball… that's going to leave an indelible crater? Puhhh. Let's explore that. Well, first of all… …the definition of the word "crash" is somewhat UH-morphous. But if it's equated to a bear market, it means a 20% price decline. Well, that's highly unlikely that a decline like this is imminent. Housing values are famously stable. Today's homeowners have oodles of protective equity and their loans are well underwritten. And the supply is staying low. You're a smart listener, you listen here every week, and you're probably apprised of all that. But did you know that even during the astoundingly irresponsible and toxic Global Financial Crisis and Mortgage Meltdown of 2007-2010, that back then during that cataclysmic event, house prices fell less than 20% nationally? Yeah, they didn't even crash 20% then! Fifteen years ago - those were the days of "liar loans", 105% LTVs, loose appraisals because appraisers were in cahoots with lenders, and we had glut of national housing supply and a foreclosure crisis… and nearly every housing market malady that you can quickly think of. Housing values didn't fall 20% amidst THAT apocalyptic environment. I made sure that chart was put in the show notes for you so that you can see that. That's the median sale price of houses sold in the United States, sourced by the F.R.E.D. through the US Census and HUD. Today, homes are still being snapped up quickly. That's what a lack of supply makes happen. And we'll still have a lack of supply in 2023 and 2024. In fact, last month, the NAR tells us that the median home sold in just 14 days in July. It's never been faster than that on record. That is not something that you would expect amidst stalled PRICE growth. Well, higher mortgage rates will do that. The American housing market reached a turning point this summer. Price increases haven't just slowed—they've stalled. Of course, local factors often supersede national ones. So then… Where are home values least resilient? Areas that were trendy and higher-priced homes. Where are home values most resilient? Lower-priced and entry-level properties. They're the ones least affected by further losses in affordability. That's what we've talked about on this show from Day 1 - investing in entry-level homes for cash flow in the Midwest and South. Who do stalled price increases harm: Sellers. Price matters, remember? New owners that hoped to refinance fast. Flippers. Who do stalled price increases help: Buyers. Rent-to-price ratios. If you were wondering when rents will get a chance to catch up to prices? The answer is now. This recent outsized RENT growth has clearly been a boon to us real estate investors - even a windfall if you're well leveraged. Now… in the workplace, the pandemic spawned “The Great Resignation”. People either started working from home or quit and stayed at home. They were on their Peleton bike… and on Zoom. But tons of companies… from Peleton to Zoom - have seen consumers end their pandemic buying patterns. Now… so has housing. The pandemic-era frenzy where buyers hotly demanded more space and a Zoom room is what I have called "The Great Reshuffling". It has settled down. At the point of being overly obvious, compared to just a few months ago, this housing market has become worse for sellers and better for buyers. Sellers, you might even have to STAGE properties again. Buyers, let's run a vibe check on how well you're doing for new purchases. Now you can usually: Not have to pay all-cash You'll often have less buyer competition Expect time for an property inspection Have an appraisal contingency And avoid an escalation clause on build-to-rents like I've discussed with guests here in recent weeks past. You know, a friend just shared something with me. He said: "We are officially back into the 2018 real estate market. I made an offer today on a brand-new flip. I got $10K of seller help and a half page of contingencies." That's what he said. Yeah, that really sums up a lot. The market has normalized - not become totally normal by any stretch, but negotiations between buyers and sellers are more balanced now. There's one group that loves higher mortgage rates - and that's single-family rental owners. That crimps affordability - pricing out that first-time homebuyer… making them rent from you. That's continuing to push up rents at faster increases than historic norms. Fannie Mae expects that home sales will decrease in the next year. That's nothing new. The volume of existing-home sales has been decreasing for months. So where does that leave today's first-time homebuyer, the person - that is becoming more of a rare breed - that DIDN'T have to pay rent to you in your property? Well, the NAR revealed a profile of today's first-time homebuyer… and I think it's particularly interesting. Today's FTHB is… 33 yo - that is the oldest ever - ever. It might not surprise you since affordability is down so it takes a new homebuyer longer to save & form the capital necessary for a down payment, closing costs, and loan qualification. The FTHB is now age 33. Household income is $86,500 Median purchase price is $252K… so… significantly less than today's median priced $400K home. A 7% down payment. That, on average is what the FTHB puts down… so often paying PMI then. 37% of them carry student debt. Typical balance $30,000 How about avg sq footage. The average square footage of a FTHB's home is 1,640. Now, I've largely been discussing either total housing supply or single-family housing supply thus far. One bright spot is for apartment-dwellers. 420,000 new apartments are forecast to be built in the US this year - that's according to RentCafe. Coming on top of 2021 - when there was historically high apartment construction, it would mark the first time since 1972 that more than 400k new apartments were completed in each of two straight years. The top spot for new apartments in 2022 is the New York metro area. Elsewhere, out there in the world… Netflix is about to launch a “Shark-Tank” like real estate show called “Buy My House”. It's structured much like Shark Tank… except homeowners pitch their house sale deal to four “sharks”. That could be interesting to watch. Here, coming up at GRE, hear from not just me, but, as usual some of the most influential personalities in the real estate and finance space commonly come along for an episode and run alongside me. Ramit Sethi from “I Will Teach You To Be Rich” is one of those notable names that will join you & I here on an upcoming show. If you have any questions, comments or concerns about the show, you can always reach out at GetRichEducation.com/Contact. That's how to get ahold of our team. One question that we're really not in need of hearing over there on our Contact Page, is: “How do I become a guest on the show?” You know, a couple years ago, we had about 20x as many requests to be a feature guest here on the show as there are available appearances. Well, anymore, it's about 50X as many requests as weekly shows. We're sorry to have to apologize to so many wonderfully bright and credentialed people. I really appreciate them. But we only have one, big weekly show… and that supply is not increasing. GRE show supply could be even more inelastic than American housing supply then. I'd like to welcome our newest show sponsor, MyPropertyStats.com. It was developed by Hayden Crabtree. Hayden has been a show guest here before and we expect to have him back here to tell us more about My Property Stats. It's a deal analysis tool developed by an active investor - Hayden - to cut the time it takes you to analyze ANY deal by over 90%. -Calculate the EXACT price to pay to hit your cash flow and ROI goals -Build a WORLD CLASS pro forma In fact, you can go to MyPropertyStats.com/GRE right now and use coupon code GRE to get 10% off your first year. It's remarkably inexpensive. That's just $90 A YEAR for a tool that can save 10 hours PER DEAL. No more spreadsheets. No more juggling multiple files. You can use coupon code "GRE" to get 10% off at MyPropertyStats.com/GRE. Much like the gratefulness I feel for all of the bright guests that are here, we've seen quite an influx of advertising inquiries. This is despite that, we haven't really pitched for advertisers here - much like guests, fortunately, there are plenty of wonderful resources out there that want to reach you, the listener here. These are resources that I don't just endorse, but I often use myself. If you'd like to make an advertising inquiry here at GRE, you can also reach out at the Contact Page at GetRichEducation.com/Contact I'm Keith Weinhold. I'll catch you next Monday, Labor Day. You've been listening to Get Rich Education. Don't quit your daydream!
Harrison Beacher is a DC Native and managing partner of the Coalition Properties Group. In 2022, Harrison serves as GCAAR president, DCAR's at-large director, NAR director representing D.C. and national Broker Engagement Council chair. Who better to have as a guest on DC's #1 Real Estate Podcast? In an effort to bring podcasting as a resource to new agents, Harrison joins us today to tell us more about how he directs engagement, influences industry, and increases transparency from his position at the helm of real estate in Washington, DC.
Jason Hartman explores the latest housing market data with returning guest Dr. Lawrence Yun, Chief Economist and Senior Vice President of Research at the National Association of Realtors®. The Federal Reserve has raised the interest rate only one time this year, yet we see how fast the mortgage rates are rising. However, if one looks at the past history, you can see that at times when the Fed aggressively raised interest rates, the mortgage rate barely budged. So is it possible that most of the mortgage rate increases this year may have already occurred? Will any further jacking up of the interest rate by the Fed necessarily have any meaningful impact on mortgage rates? According to Dr. Yun, the wildcard here is inflation and whether or not it continues to rise due to unforeseen events currently happening around the world. Lawrence Yun is Chief Economist and oversees the Research group at the NATIONAL ASSOCIATION OF REALTORS®. He supervises and is responsible for a wide range of research activity for the association including NAR's Existing Home Sales statistics, Affordability Index, and Home Buyers and Sellers Profile Report. He regularly provides commentary on real estate market trends for its 1.4 million REALTORS®. Dr. Yun received his undergraduate degree from Purdue University and earned his Ph.D. from the University of Maryland at College Park. Key Takeaways: 0:00 Welcome returning guest Lawrence Yun, Chief Economist and Senior Vice President of Research at the National Association of Realtors 1:01 How long can this red hot housing market continue? 2:20 What does this mean for first time home buyers? 5:20 The cost burden has increased because of the home prices, but not in terms of the mortgage rate 7:46 What are the current housing inventory levels? 11:10 MLS - contingent and pending sales 12:17 Defining a balanced market 14:23 Will the market cool off with these higher rates? 15:42 Further interest rate hikes by the Fed may not have any meaningful impact on the mortgage rate 19:00 You can now buy a $1M home with an FHA loan in some areas 22:07 NARs chart on housing starts 24:14 Builders are not building entry level homes 26:47 Are we going to have a housing shortage for many, many years to come? 29:10 Boom in the home improvement industry 30:36 Possible inventory adjustment due to recent events 33:08 Job and housing market correlation 35:13 Multiple bids on rental units among renters 36:06 Do you see large investment companies continuing to buy more properties over the coming years? 38:31 There is a labor shortage across America 39:35 Increasing number of realtors 41:55 Increased home sales, increased prices but not increased ownership Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Learn More: JasonHartman.com Get wholesale real estate deals for investment or build a great business – Free course: JasonHartman.com/Deals Free White Paper on The Hartman Comparison Index™: HartmanIndex.com/white-paper Free Report on Pandemic Investing: PandemicInvesting.com Jason's TV Clips in Vimeo Free Class: CYA Protect Your Assets, Save Taxes & Estate Planning: JasonHartman.com/Protect Special Offer from Ron LeGrand: JasonHartman.com/Ron What do Jason's clients say? JasonHartmanTestimonials.com Contact our Investment Counselors at: www.JasonHartman.com Watch, subscribe and comment on Jason's videos on his official YouTube channel: YouTube.com/c/JasonHartmanRealEstate/videos Guided Visualization for Investors: JasonHartman.com/visualization Jason's videos in his other sites: JasonHartman.com/Rumble JasonHartman.com/Bitchute JasonHartman.com/Odysee Jason Hartman's Extra YouTube Channel Jason Hartman's Real Estate News and Technology (RENT) YouTube Channel